What type of loan or finance are you looking for?
Admiral Personal Loans
A Personal Loan could be used for improving your home, consolidating your debts (e.g. credit card and other loans), paying for your wedding or further education courses. Admiral Personal Loans are unsecured meaning you don’t need to provide security in the form of assets (e.g. your home or car).
Admiral Car Finance
Admiral Car Finance offers PCP (Personal Contract Purchase), HP (Hire Purchase) and Personal Loans as a way of buying your dream car. You can get a no-obligation quote, which doesn’t leave a footprint on your credit file, so you can compare your options before deciding which is best for you.
PCP and HP are types of secured finance, which means we own the car until you’ve made the final payment. You can read more about different types of car finance here.
Before you apply
Consider your budget
Can you afford the monthly repayment for a loan or car finance deal? Think about your circumstances and whether you could still make the payments if your circumstances change. If you over stretch yourself and fall behind on payments this could have a negative impact on your credit rating.
Think about your credit rating
If you know your credit rating is quite low, you might struggle to get accepted for a loan or car finance. Every time you apply for a loan or finance it leaves a footprint on your credit file so think carefully before making an application (or multiple applications). You might want to think about improving your credit score before applying for any credit like a loan or car finance.
What is APR?
We've all heard of it - but what does it actually mean?
How to improve your credit rating
Find out what you can do to get a better credit rating.
Beginners guide to car finance
Don’t know your PCP from your HP’s? Read all about different types of car finance here.
How to apply for a personal loan
We’ve put together a simple, guide explaining the process of applying for an unsecured personal loan.
As a basis for qualification, you must be a permanent resident of England, Wales or Scotland, having lived in the UK for at least 3 years, be between the ages of 18 and 75, and with no recent history of bad credit such as County Court Judgements (CCJs), IVA or bankruptcy. The rate offered will depend on the amount you wish to borrow and your individual circumstances. You can apply for any amount between £1,000 and £25,000 for a period between 12 and 60 months.
APR stands for annual percentage rate. This is the total charge for the loan including fees and interest expressed as a percentage. The APR you are offered may differ from the representative example displayed, this is because each loan application is assessed on an individual basis. The maximum APR we offer is 29.9%.
Admiral Loans are administered and arranged by Admiral Financial Services Limited. Admiral Financial Services Limited is registered in England and Wales at Tŷ Admiral, David Street, Cardiff, CF10 2EH (Reg. No. 10255225). Admiral Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Firm reference number: 771862). These details can be confirmed by visiting the Financial Services Register, www.fca.org.uk/register.
Please see our terms and conditions here.
AFSL are a member of the Finance and Leasing Association(FLA) who are an industry leader in promoting best practice within the motor finance, consumer and asset businesses in the UK. As a member we are subscribed to their Lending Code. Click here to download a copy of their Lending Code.
When you submit an application for a loan, we will conduct an application credit search which may affect your credit score, so you may wish to keep applications to a minimum to protect your credit rating.
If you have any queries about the manner in which your data is processed, please write to: Data Protection Officer, Admiral Financial Services Limited, Tŷ Admiral, David Street, Cardiff CF10 2EH.